---
title: "Chubb vs Corgi Cyber Insurance"
description: "Chubb's base policy covers first-party, third-party and crime losses for businesses of any size; Corgi's startup form covers third-party claims only."
canonical: "https://spot.insure/compare/chubb-vs-corgi/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-corgi/cyber)

# Chubb vs Corgi Cyber Insurance

Chubb's base policy covers first-party, third-party and crime losses for businesses of any size; Corgi's startup form covers third-party claims only.

## Research Scope and Use

Use this comparison to evaluate Chubb and Corgi for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb's Cyber Enterprise Risk Management covers first-party incident response, third-party liability and crime coverage by endorsement for organizations of any size. Corgi's standard cyber form covers third-party claims only, selling breach response, ransomware and business interruption as separate endorsements. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [5](https://www.corgi.insure/disclaimers "Disclaimers") [6](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [7](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [8](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [9](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### How Much the Base Policy Covers

Chubb's base Cyber Enterprise Risk Management policy lists first-party incident-response funds, business interruption and network extortion alongside third-party liability, payment card loss and regulatory-proceedings coverage, with crime coverage available by endorsement. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") Corgi's standard cyber form instead pays only third-party network security and privacy liability claims out of the box:

The standard policy covers third-party network security and privacy liability claims only. Breach response, ransomware, business interruption and funds transfer fraud are available as endorsements. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)

A Corgi policyholder without the breach response endorsement would face uncovered forensics and notification costs that Chubb's base coverage already addresses. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

### Who Each Product Is Built For

Chubb prices Cyber Enterprise Risk Management for organizations of any size, offering no-minimum-premium quoting through Cyber Central and Marketplace for risks under $100 million in revenue. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") Corgi instead sells its cyber policy as a startup-focused product, standalone or bundled into packages beginning at the pre-seed and seed stage. [6](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

### What Each Company Discloses on Limits

Chubb's reviewed pages do not publish specific per-policy limit or retention amounts. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") Corgi instead shows illustrative limits of up to $1 million per claim and $2 million in the aggregate, with a $10,000 self-insured retention. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## What to Confirm in Cyber Insurance Quotes

- Ask Corgi which endorsements are on your quote, since breach response, ransomware and business interruption are each priced separately. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Ask Chubb for specific limit and retention figures for your account, since none are published for a standard placement. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Get the issuing insurer from both: Chubb does not name a specific underwriting entity, and Corgi names a policy form but not the carrier. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [5](https://www.corgi.insure/disclaimers "Disclaimers")
- Ask whether Chubb's Widespread Event Endorsement or Corgi's regulatory-investigation exclusion affects a systemic incident scenario relevant to your business. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## Offering Details

| Criteria | Chubb Cyber Insurance (Cyber Enterprise Risk Management) | Corgi Cyber Liability |
| --- | --- | --- |
| Role in This Line | Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section..) | Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. [6](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Homepage package contents and the cyber liability product page..) |
| Issuing Insurer | The reviewed pages describe Chubb as the carrier but do not name the specific Chubb-group underwriting entity for cyber policies; the issued policy would name the entity. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Both cyber pages as read on 2026-09-23..) | Corgi uses affiliated and partner insurers. The cyber product page names its policy form, CORG-CY-0100, but not the issuing insurer; your policy names it. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [5](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: Cyber product page and Corgi disclaimers..) |
| Who It’s For | Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page eligibility and quoting description..) | Not described in the reviewed sources. |
| Coverage Features | Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued..)<br><br>Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Innovative coverage concepts section; endorsement availability depends on underwriting..) | The standard policy covers third-party network security and privacy liability claims only. Breach response, ransomware, business interruption and funds transfer fraud are available as endorsements. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)<br><br>Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..)<br><br>The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..) |
| Limits and Retentions | The reviewed pages do not publish specific per-policy limit or retention amounts; Chubb says it can build large insurance tower programs with substantial primary limits for organizations over $1 billion in revenue but gives no figures. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Cyber Insurance Coverage & Products page as read on 2026-09-23..) | Corgi shows illustrative limits of up to $1 million per claim and $2 million in the aggregate, with a $10,000 self-insured retention per event. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) |
| Risk Services | Chubb says cyber policyholders get access to a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app, a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend and cost data. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections..) | The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 2026-09-23..) |
| How to Apply | Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page quoting section..) | You can request a cyber quote online through Corgi. [10](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) |
| Claims Support | Chubb reports 24/7 incident response availability by hotline or its Cyber Alert app, and publishes an annual Cyber Claims Landscape report analyzing claim frequency, severity and ransomware trends. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page; claims scenarios and report are company-reported..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Chubb vs Corgi Business Owner’s Policy](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy)
- [Chubb vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-corgi/cargo-transit)
- [Chubb vs Corgi Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-corgi/commercial-auto)
- [Chubb vs Corgi Crime Insurance](https://spot.insure/compare/chubb-vs-corgi/crime)
- [Chubb vs Corgi D&O Insurance](https://spot.insure/compare/chubb-vs-corgi/directors-officers)
- [Chubb vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/employment-practices)
- [Chubb vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/fiduciary)
- [Chubb vs Corgi General Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/general-liability)
- [Chubb vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-corgi/professional-errors-omissions)
- [Chubb vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-corgi/representations-warranties)
- [Chubb vs Corgi Tech E&O Insurance](https://spot.insure/compare/chubb-vs-corgi/technology-errors-omissions)
- [Chubb vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/umbrella-excess)
- [Chubb vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-corgi/workers-compensation)
- [Alliance Risk vs Chubb Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/cyber)
- [Alliance Risk vs Corgi Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cyber)
- [Amelia Risk vs Chubb Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cyber)
- [Amelia Risk vs Corgi Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cyber)
- [At-Bay vs Chubb Cyber Insurance](https://spot.insure/compare/at-bay-vs-chubb/cyber)
- [At-Bay vs Corgi Cyber Insurance](https://spot.insure/compare/at-bay-vs-corgi/cyber)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber Enterprise Risk Management target clients and product features; Cyber insurance coverage first-party and third-party lists; Cyber crime by endorsement; quoting via Cyber Central and Marketplace. Accessed 2026-09-23.
4. [Cyber Insurance for Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Cyber Services section; Incident response section; 24/7 hotline and Cyber Alert app; "95% of Fortune 1000 companies are Chubb insured". Accessed 2026-09-23.

### Corgi

5. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.
6. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup’s Journey: package contents. Accessed 2026-09-23.
7. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
8. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
9. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
10. [Cyber Liability Insurance for Startups](https://www.corgi.insure/cyber-liability). Corgi Insurance; What’s Actually Inside Your Cyber Policy (form CORG-CY-0100); Scenario notes; Policy notes; Available Add-ons. Accessed 2026-09-23.

### Cyber Insurance Guide

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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